$re = '/(,)(?=[^"]*"(?:[^"\r\n]*"[^"]*")*[^"\r\n]*$)/';
$str = 'kol1,kol2,"kol3,kol3a",hhhh,"bb,bbb",kkff,ddd,"lll"
';
$subst = "{comma}";
$result = preg_replace($re, $subst, $str);
echo "The result of the substitution is ".$result;
Please keep in mind that these code samples are automatically generated and are not guaranteed to work. If you find any syntax errors, feel free to submit a bug report. For a full regex reference for PHP, please visit: http://php.net/manual/en/ref.pcre.php