Which aspect is NOT typically covered under indemnification?

Indemnification in the context of insurance refers to the principle of restoring an insured party to their pre-loss financial position following a covered event, without allowing them to profit from the loss. This means compensation is designed to cover actual losses or damages incurred up to the value of the insured asset.

When considering the specifics of the options, those related to losses after an accidental event, medical expenses incurred post-accident, and property damage costs all represent scenarios where actual expenses or losses are incurred as a direct result of an insured event. This aligns with the goals of indemnification, which is to compensate for these costs to restore the insured to their previous state.

However, gains exceeding the insured value fall outside the scope of indemnification. This option highlights a situation where compensation might result in a financial gain rather than a restoration of lost value. Indemnification is not intended to allow policyholders to profit from their insurance coverage; it is designed strictly to cover losses, not to exceed or surpass actual incurred damages. Thus, this scenario aligns with the principle that indemnification only seeks to compensate for losses, making this option the correct choice.