c:\@Work\Perl\monks>perl -wMstrict -le
"my $s = '65722417,\"1193,1\",1012,\"9,8,7\",C2,Carrier Cost Recovery Fee,0.0273';
 print qq{'$s'};
 ;;
 $s =~ s{ (\" [^^\x22]+ \") }{ (my $one = $1) =~ s{,}{-}xmsg;  $one; }xmsge;
 print qq{'$s'};
"
'65722417,"1193,1",1012,"9,8,7",C2,Carrier Cost Recovery Fee,0.0273'
'65722417,"1193-1",1012,"9-8-7",C2,Carrier Cost Recovery Fee,0.0273'