$re = '/(?!\B"[^"]*),(?![^"]*"\B)/';
$str = 'bob jones,123,55.6,,,"Hello , World",,0
jim neighbor,432,66.5,,,Andy "Blank,,1
john smith,555,77.4,,,Some value,,2';
preg_match_all($re, $str, $matches, PREG_SET_ORDER, 0);
// Print the entire match result
var_dump($matches);
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