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NFL star Josh Norman says the Los Angeles Rams got LUCKY ... because, had his QB Alex Smith not suffered a GRUESOME injury, it'd be his Washington team in the Super Bowl and not Goff's guys.

The Redskins were in 1st place in the NFC East until Smith broke both his fibula and tibia in his right leg against the Texans in November.

Smith was replaced by Colt McCoy (who also got injured) ... followed by Mark Sanchez (who was terrible) ... followed by Josh Johnson (who was basically signed off the street).

When we ran into Norman in ATL on Wednesday, we wanted to know what would've happened if Smith wouldn't have cracked his leg open ... and Norman let loose.

"We win the Super Bowl."

BTW ... Norman is dead serious, and even after our guy asks him SEVERAL times, he doesn't relent, and actually doubles down on his championship claim, saying they could've gotten by the Rams AND Saints.

"Why not?"