Check this (separate will fail):
1 #IN (A128) INIT<'ABCDEF;"quoted;string";LMNOP'>or this (examine will fail):
1 #IN (A128) INIT<'ABCDEF;"quoted""string";LMNOP'>Strings may be surrounded by double quotes. But both examples are reasons, why a string must be surrounded by double quotes.
Yes, it will fail, but do these examples really make sense ?
Not sure if any of those will occur in a real worl scenario or are just purely hypothetical ?
Have a look at this (delimiter is comma in this example, it is a cite from Otto Waalkes):
'"Peter, Paul, and Mary are making a bank robbery","Peter says:""Hands up"""'and the german (humorous) translation:
[code]
'"Peter, Paul und Maria machen eine Bankr
It makes sence, because there is a well defined specification for it. Please see
http://www.ietf.org/rfc/rfc4180.txt
Just create an Excel-File and export it as a CSV-File… 
@Wilfried B