Some devices use a lower voltage... . like the 5VDC that powers my cell phone... It will charge with a vehicle adapter or plugged into the side of my laptop with a USB cable... . The power cord for my vehicle adapter already has the necessary voltage reduction circuit within it... . to power the cell phone and charge the battery...
If your adapter for the radio comes with a vehicle adapter cord, we can assume that the engineers have done their job... .
Remember there are lots of toys with different voltage requirements... thats why the plug on the end that plugs into the toy is unique..... hopefully someday they will standardize this... . like the power available from the USB port... . it charges my phone, my ear piece, the batteries on my digital camera, etc... ...
Hope this helps... .