~GARU means "to show signs of ~" or "seems ~" and reflects the thinking, feeling or actions of someone other than the speaker (usually: narration in novels or looking at oneself objectively are exceptions).
As you said, in the ~GARU form, it shows a general tendency to act that way - 注射を嫌がる子供が多い - "There are many children who (seem to) hate shots/injections."
However, ~GATTEIRU would be something that has going on for sometime or a currently occurring action - 彼女は犬が怖がっている。今、赤ちゃんが眠りたがっている。- "She is afraid of dogs." "Right now, the baby wants to sleep."