You brought up the fuse selection
@AimCOTaco and thought you (and perhaps a couple of others) might be curious why they have special meter fuses. And why they're so dang easy to blow.
Not meaning to offend anyone but these cheap Chinese DMMs usually have plain AGC glass fuses and strictly speaking it's kind of a dangerous oversight.
How the fuse is done and the component selection plays heavily into the CAT III 1000 V, CAT IV 600 V ratings a DMM has. Not so much important for automotive work but is for even at household 120VAC and highly relevant when working in commercial and industrial switchgear and what-not when concerned with arc flash and shock. But even at 12V it's not completely out of the question since a fuse that creates an arc in an explosive environment is an obvious problem. So you may consider using ceramic body AGC instead of glass. Not that Toyota or anyone else did that with FJ40 fuses panels, though.
Find out what the hidden dangers of making voltage and current measurements with a tester that does not have the fuse protection that was designed into the tester - dangers than can cause serious burns, and possibly even death.
www.fluke.com
To your actual question, those shunts may tolerate different current than the rating. Fluke used an 11 amp and a 0.44 amp fuse in my DMM. The two shunts are intended for 10 amps and 400 mA but the specs say the high current shunt can tolerate 20 amps for 30 seconds and the low current one 600 mA for up to 18 hours.
This is an important specification because in some cases you're doing duty cycle measurement and the 10 amps is based on an average current delivered rather than instantaneous. This is particularly obvious in an RMS meter since since the peaks for 10A average are 14.14A. So the included fuse is designed to accommodate all of this. It'll blow fast but not so fast as to make typical electrician type measurements impossible. There's a lot of design choices made by the fuse guys.
It's kind of weird, though, that the sensing circuits can do things the fuse can't. If you read the spec closely you may be able to use different fuse values without damaging anything but just be aware you might also lose your safety ratings if you change fuse types. You know this but to be explicit, putting a 440mA fuse into a 3-1/2 digit, 200mA DMM isn't going to make it show up to 440mA either. It'll still be a max display of 199.9mA.