The electrical system of a car is a closed circuit with an independent power source the battery. It operates on a small fraction of the power of a household circuit.
The sudden surge of high current in a short circuit makes the fuse wire melt, or blow, breaking the circuit. When this happens, see if there is a short circuit or a disconnection, then install a new fuse of the correct amperage rating (See Checking and replacing fuses).
In a negative (-) earth-return system, the current flows from the positive (+) terminal to the component being operated. The component is earthed to the car body, which is earthed to the negative (-) terminal of the battery.
This is called a negative earth system, and when buying an electrical accessory a radio, for example check that it is of a type suitable for your car system. Fitting a radio with the incorrect polarity will damage the set, but most car radios have an external switch for setting the polarity to suit that of the car. Switch to the correct setting before fitting.