Most modern cars have alternators that put out quite high currents when running, far more than the old generator ever could or even cars 15~20 years old with alternators did.
it might be just me but I tend to think most modern cars run 'hotter' than they used to and with the engine bay jammed packed with everything, somethings got to give.
While the vehicle may not have what you think is a fuse, I would be very surprised if the first part of the lead from the Battery isnt a 'Fusible Link' which is designed to melt out if too heavy a load occurs (short circuit).
Godzilla could advise on this as he is both involved in the Motor Trade as well as a mad REV HEAD too.
For Car owners it could be a good idea to carry a pair of heavy duty bolt/cable cutters to cut the lead if possible if a fire occurs as well as a couple of bottles of Coka Cola because if at room temperature, when shaken they emit a foam you could spray over a fire.
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