No, not these days. If there's fuel and ammo in the vehicle it is typically instant death with modern ATGMs.
In that Javelin vid, they packed the turret and everything with explosives to 'simulate' (I use the term loosely) having ammo in the tank. I gained that knowledge watching the same vid in a Javelin class given by two old dudes who have been using, enhancing, and teaching the system since it's predecessor the 'Dragon'.
One thing to keep in mind is that the T-72s and BMPs are far from modern tanks. Yes, the TOW is a design from the same time period, but has been improved for use against reactive armor and (probably) better wire-guidance systems, while the tanks you see being blown up typically have no ERA. Another design flaw with tanks like the T-72 is that (iirc) a lot of the ammo is stored in and right beneath the turret, so any penetrating hit to the center of the tank will more than likely set off all the ammo as well.
It's a top-attack warhead. It fires an explosively formed penetrator down through the roof of the tank.
I think only a certain variant of the TOW missile is air-burst. It's weird to me that it would be, because I would think there would be a little voodoo magic involved in getting the shaped-charge to detonate in the exact right spot. That being said, even with a large enough warhead the blast-overpressure can make jelly out of a crews' brains.
The Javelin is a also top-attack warhead, capable of defeating ERA. They're both totally different systems, but I guess the main concept of hitting them where the armor is the weakest is the same.
