1)-If the value contains a comma, newline or double quote, then the String value should be returned enclosed in double quotes.
2)-Any double quote characters in the value should be escaped with another double quote.
3)-If the value does not contain a comma, newline or double quote, then the String value should be returned unchanged.
For example
| Mary | “has a cow” | and horses, frogs and “aligators” |
In CSV would be
Mary,””has a cow””,”and horses, frogs and “”aligators””